Representative APR 239.7%.

Representative Example: £500 borrowed for 5 months. Total amount repayable £1,003.58 in 5 monthly instalments of £200.72. Total Interest £503.66. Interest Rate 239.7% pa (variable). Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 18 months. †Loan amount subject to lender's requirements and approval. Subject to lenders requirement and approval. Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. *New Horizons will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.

£400 Loan – Enough to cover most emergencies

If your car has failed its MOT, or the boiler has packed up, the amount of money that you could need to find quickly can be significant. If you don’t have the money in your bank account, you may need to apply for a loan, such as a £400 online loan. Our application process is quick and simple and you can get a decision on your £400 loan application instantly. We know that if you need to borrow £400 it is likely that you need it quickly, so our lenders will send the money to your bank account within 15 minutes† of your application being accepted.

The flexibility of most direct lenders now means that borrowing £400 has never been simpler, with instant decisions and same day payouts, allowing you to deal with emergency situations quickly. There is a range of repayment options available too, meaning that you don’t have to find the whole amount on your next payday. With repayment plans of 3 to 18 months, we can find a loan to fit virtually any budget for £400 loans.

Can I get a £400 loan today?

At New Horizons, every lender that we work with has to meet certain criteria. One such criterion is that they must be able to provide an instant decision to a customer’s application. our technology means that we can provide every customer with a decision in less than a minute. If your application is accepted then the lender will pay your loan out on the same day.

I have a bad credit rating, can I still borrow £400?

At New Horizons, we believe that everyone should have access to credit in times of emergency, including those who have a bad credit rating. The direct lenders that we work with specialise in offering loans to people who have been declined elsewhere. Whether you have a CCJ or default, we may still be able to help. Many of our lenders offer £400 loans for bad credit and our eligibility checker allows you to see if you have been accepted without leaving a footprint on your credit file.

If you are struggling with your debts and require assistance. You can speak to the companies below, free of charge.

About

About New Horizons

New Horizons is a registered trading name of RIFM Limited, which is an Introducer Appointed Representative of Flux Funding Limited. Registered in England and Wales (Company number 10505990/FRN 776011) Registered Office: 85 Great Portland Street, First floor, London, W1W 7LT. Flux Funding is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 806333. Licenced by the Information Commissioners Office, (registration number ZA222712)

Flux Funding is a licenced credit broker, not a lender. *New Horizons will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search. †Subject to lenders requirements and approval. Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

New Horizons does not charge customers a fee for using its services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement following an introduction through this website.

Representative Example: £500 borrowed for 5 months. Total amount repayable £1,003.58 in 5 monthly instalments of £200.72 Total Interest £503.66. Interest Rate 239.7% pa (variable). New Horizons is a registered trading name of RIFM Limited, which is an Introducer Appointed Representative of Flux Funding Limited, who is a broker – not a lender.Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.